Overview Apollo Munich Insurance Company Limited is a joint venture between Apollo Hospitals, one of Asias largest integrated healthcare providers and Munich Health; the health business segment of Germany-based Munich Re. It started operations in India in the year 2007. Apollo Munich is a health insurance company that aims to bring excellent health care services within the reach of the common man. The company offers a range of products designed to meet all the requirements of the individual. When it comes to Travel Insurance, the company offers its customers a host of plans whether it is for individuals, or the entire family or even senior citizens. Why Apollo Munich Travel Insurance? Traveling is something an individual undertakes to take a break from the daily monotonous lifestyle or for any pressing business need. In both the scenarios, getting the trip hampered due to some unforeseen and uncontrollable circumstance puts a sour taste in the mouth. Not only the travel itinerary is completely ruined but it also involves a considerable loss of finances, something, which an average man cannot bear on his budget planning. As such, insuring oneself through travel insurance policy seems the best and prudent course of action. List of Policies by Apollo Munich Travel Insurance The company offers a host of plans to individuals, their families, and senior citizens. Let us take a look at the different travel insurance plans as offered by Apollo Munich. Apollo Munich Travel insurance plans for individuals The Apollo Munich Easy Travel insurance plans protect the insured person against various risks, such as illnesses, theft and any other such occurrences when the person is traveling alone. This plan has five policy variants, which are, Platinum, Gold, Silver, Bronze and Asian Region. The customer has the option to choose different coverage options, such as worldwide coverage, worldwide excluding America and Canada or Asia-Pacific, excluding Japan. A closer look at the Apollo Munich Easy Travel Insurance Plans for individuals reveals the following benefits: Medical treatment, assistance, and evacuation is provided that provides coverage against any emergency medical treatment that requires inpatient care. It includes the medical evacuation to the hospital. Medical expenses for pain-relieving dental treatment or dental treatment that is required due to an accident will be covered. The plan covers repatriation of mortal remains where the cost of transporting the mortal remains to the place of residence or a cremation or burial in the foreign country, will be covered A daily cash benefit is received in case of a continuous and completed 24 hours of hospitalization. The plan covers against death or the permanent total disablement in case of an accident. Coverage against the loss of checked-in baggage by a carrier, on which the insured person is travelling as a passenger, is provided. The plan will offer a compensation in case of any delay in the delivery of checked-in baggage in baggage by a carrier, on which the insured person is travelling as a passenger. The plan will reimburse the cost of the expense incurred in obtaining a fresh or duplicate passport, either overseas or within 30 days of the insured persons return to India. The plan will pay a lump sum amount to the insured person in case of a financial emergency, such as theft, pilferage or robbery. The lump sum will be paid to replace the funds lost. The plan offers a Personal Liability benefit, wherein it will cover against any legal liability (including defense costs) to pay damages for his negligence which results from a third party civil claim for third party death, bodily injury or property damage. The plan will cover for any delay beyond the scheduled departure or arrival time of a carrier. A lump sum amount will be paid to the insured person. The plan will cover against the unfortunate event of a hijacking. There is a trip cancellation or curtailment benefit wherein the plan will compensate the insured person against any unforeseen delays, cancellations that may occur due to death, hospitalization or an act of God. The plan compensates the passenger against any missed connecting flight due to the delay of an inward flight. Apollo Munich Travel insurance Plans Eligibility for individuals Individuals between the ages of 6 months to 70 years are covered. The plans are issued for individuals only. The plans cover travel duration of up to 180 days. Apollo MunichTravel Insurance Plans for Family Travel Apollo Munich offers Travel insurance Plans for covering the family when they are traveling abroad. These plans are taken to ensure that the familys travels are secure and hassle-free. The plan has three variants – Silver, Bronze and Asian Region. The sum insured ranges from USD 25000 to USD 1,00,00. The plan covers two adults (self and spouse) and up to two children, who are not above 21 years of age. The customer has the option to choose different coverage options, such as worldwide coverage, worldwide excluding America and Canada or Asia-Pacific, excluding Japan. A closer look at the Apollo Munich Easy Travel Insurance Plans for Family reveals the following benefits: Medical treatment, assistance and evacuation is provided that provides coverage against any emergency medical treatment that requires inpatient care. It includes the medical evacuation to the hospital. Medical expenses for pain relieving dental treatment or dental treatment that is required due to an accident will be covered. The plan covers repatriation of mortal remains where the cost of transporting the mortal remains to the place of residence or a cremation or burial in the foreign country, will be covered A daily cash benefit is received in case of a continuous and completed 24 hours of hospitalization. The plan covers against death or the permanent total disablement in case of an accident. Coverage against the loss of checked-in baggage by a carrier, on which the insured person is travelling as a passenger, is provided. The plan will offer a compensation in case of any delay in the delivery of checked-in baggage in baggage by a carrier, on which the insured person is travelling as a passenger. The plan will reimburse the cost of the expense incurred in obtaining a fresh or duplicate passport, either overseas or within 30 days of the insured persons return to India. The plan will pay a lump sum amount to the insured person in case of a financial emergency, such as theft, pilferage or robbery. The lump sum will be paid to replace the funds lost. The plan offers a Personal Liability benefit, wherein it will cover against any legal liability (including defense costs) to pay damages for his negligence which results from a third party civil claim for third party death, bodily injury or property damage. The plan will cover for any delay beyond the scheduled departure or arrival time of a carrier. A lump sum amount will be paid to the insured person. The plan will cover against the unfortunate event of a hijacking. There is a trip cancellation or curtailment benefit wherein the plan will compensate the insured person against any unforeseen delays, cancellations that may occur due to death, hospitalization or an act of God. The plan compensates the passenger against any missed connecting flight due to the delay of an inward flight. Eligibility for Apollo Munich Travel Insurance Plans for Family Travel Individuals between the ages of 6 months to 70 years are covered. Children up to 21 years are covered. The plan can be issued to individual, spouse and two children. The plans cover travel duration of up to 180 days. Apollo Munich Travel Insurance Plans for Senior Citizens There are specific plans offered by the company covering senior citizens in the age groups of 71-80 years. The plan has two variants – Silver and Bronze, with sum insured options of USD 100,000 and USD 50,000. The customer has the option to choose different coverage options, such as worldwide coverage, worldwide excluding America and Canada or Asia-Pacific, excluding Japan. A closer look at the Apollo Munich Easy Travel Insurance Plans for Senior Citizens reveals the following benefits: Medical expenses for pain relieving dental treatment or dental treatment that is required due to an accident will be covered. The plan covers repatriation of mortal remains where the cost of transporting the mortal remains to the place of residence or a cremation or burial in the foreign country, will be covered A daily cash benefit is received in case of a continuous and completed 24 hours of hospitalization. The plan covers against death or the permanent total disablement in case of an accident. Coverage against the loss of checked-in baggage by a carrier, on which the insured person is travelling as a passenger, is provided. The plan will offer a compensation in case of any delay in the delivery of checked-in baggage in baggage by a carrier, on which the insured person is travelling as a passenger. The plan will reimburse the cost of the expense incurred in obtaining a fresh or duplicate passport, either overseas or within 30 days of the insured persons return to India. The plan will pay a lump sum amount to the insured person in case of a financial emergency, such as theft, pilferage or robbery. The lump sum will be paid to replace the funds lost. The plan offers a Personal Liability benefit, wherein it will cover against any legal liability (including defense costs) to pay damages for his negligence which results from a third party civil claim for third party death, bodily injury or property damage. The plan will cover for any delay beyond the scheduled departure or arrival time of a carrier. A lump sum amount will be paid to the insured person. The plan will cover against the unfortunate event of a hijacking. There is a trip cancellation or curtailment benefit wherein the plan will compensate the insured person against any unforeseen delays, cancellations that may occur due to death, hospitalization or an act of God. The plan compensates the passenger against any missed connecting flight due to the delay of an inward flight. Eligibility For Apollo Munich Travel Insurance for Senior Citizens Individuals between the ages of 71 to 80 years are covered. The plans are issued for individuals only. The plans cover a travel duration of up to 180 days. Apollo MunichTravel Insurance Plan for multiple trips undertaken annually There are specific plans offered by the company that cover individuals who have to travel frequently throughout the year. The plan has four variants – Platinum, Gold, Silver and Bronze, with sum insured options ranging from USD 25,000 to USD 500,000. The customer has the option to choose different coverage options, such as worldwide coverage, worldwide excluding America and Canada or Asia-Pacific, excluding Japan. A closer look at the Apollo Munich Easy Travel Insurance Plans for Senior Citizens reveals the following benefits: Medical treatment, assistance and evacuation is provided that provides coverage against any emergency medical treatment that requires inpatient care. It includes the medical evacuation to the hospital. Medical expenses for pain relieving dental treatment or dental treatment that is required due to an accident will be covered. The plan covers repatriation of mortal remains where the cost of transporting the mortal remains to the place of residence or a cremation or burial in the foreign country, will be covered A daily cash benefit is received in case of a continuous and completed 24 hours of hospitalization. The plan covers against death or the permanent total disablement in case of an accident. Coverage against the loss of checked-in baggage by a carrier, on which the insured person is travelling as a passenger, is provided. The plan will offer a compensation in case of any delay in the delivery of checked-in baggage in baggage by a carrier, on which the insured person is travelling as a passenger. The plan will reimburse the cost of the expense incurred in obtaining a fresh or duplicate passport, either overseas or within 30 days of the insured persons return to India. The plan will pay a lump sum amount to the insured person in case of a financial emergency, such as theft, pilferage or robbery. The lump sum will be paid to replace the funds lost. The plan offers a Personal Liability benefit, wherein it will cover against any legal liability (including defense costs) to pay damages for his negligence which results from a third party civil claim for third party death, bodily injury or property damage. The plan will cover for any delay beyond the scheduled departure or arrival time of a carrier. A lump sum amount will be paid to the insured person. The plan will cover against the unfortunate event of a hijacking. There is a trip cancellation or curtailment benefit wherein the plan will compensate the insured person against any unforeseen delays, cancellations that may occur due to death, hospitalization or an act of God. The plan compensates the passenger against any missed connecting flight due to the delay of an inward flight. Benefit of pre-trip information service that provides important up-to-date travel and health information Embassy/interpreter referral services provided Arrangement of compassionate visit or emergency evacuation Eligibility Individuals between the ages of 6 months to 70 years are covered. Platinum plans cannot be availed by those above the age of 60 years. The plans are issued for individuals only. The plans can be issued for an entire year with an option of maximum coverage that extends 30/60 days per trip duration. Exclusions under the Apollo Munich Travel Insurance Plans There are certain factors that are excluded from the scope of coverage of travel insurance. The exclusions are as follows: A pre-existing medical condition present prior to availing the plan and any complication arising out of such condition for which care, treatment or advice was sought from a medical practitioner. Routine physical or other examination where there is no indication of impairment of common health Medical expenses occurring beyond the policy period Suicide, attempted suicide or willfully self-inflicted injury or illness, mental disorder, anxiety/stress/depression/nervousness, venereal disease, alcoholism, drunkenness or drug abuse Manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), engaging in any criminal or illegal act. Pregnancy, resulting in childbirth, miscarriage, abortion, or complication arising out of any of the foregoing. Loss or damage to the insured’s passport due to confiscation or detention by customs, police or any other authority. Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and for which an official report has not been obtained. Loss due to the insured’s failure to take steps to guard against the loss of passport. War or any act of war, invasion, act of foreign enemy, war like operations, civil war, public defense, rebellion revolution, insurrection, military or usurped acts, riot, terrorism, chemical, radioactive or nuclear contamination. Participation or involvement in naval, military or air force operations, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing. Any breach of law with criminal intent. Abuse of intoxicants or hallucinogens including drugs & alcohol. How to Apply For Apollo Munich Travel Insurance Plans Online? Travel insurance plans offered by the company can be applied to through multiple channels like: Individuals desirous of availing any of the health insurance plans can simply call the Sales helpline of the company and speak to the customer service representative. They can provide their name, mobile number and email id on the website of the company and request for a call back Lastly, customers may also visit the companys branches or get in touch with an agent to buy the plans required.
